Market Updates From
Centek’s Desk
Interest-rate outlooks, lending program notes, and the real deals we are closing, written plainly for borrowers who need the market to make sense.
July 2025 Market Update
The mortgage market has remained in a narrow range for several months. We feel the interest-rate complex is in a holding pattern until inflation moves closer to the Fed’s 2% target or unemployment rises.
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June 2025 Market Update
Summer is around the corner. The last few months have been volatile across the economy and geopolitical landscape, but the real estate market remains active at all price points.
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Pre-Election Newsletter
Heading into the home stretch of election season. The Federal Reserve lowered rates by .50% last month, but longer-term treasuries quickly climbed back, lifting mortgage rates into the 6% area.
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Federal Reserve Recalibration
This week’s Federal Reserve 50-basis-point cut sets the tone for lower mortgage rates. Chair Powell used the term “recalibrate” nine times. Here is what borrowers should take away.
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August 2024 Market Update
Today’s employment report reflects a demonstrable slowdown in new job creation. Money is leaving equities for the bond market, and the benefactor of lower treasury yields will be the mortgage market.
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Mid-Summer Update
A quick update on a slightly slower summer sales market where prices remain resilient. The market is taking a pause, waiting for interest rates to drift lower.
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Summer Has Arrived
Graduation events are behind us and summer plans are in full swing. The US economy keeps chugging along, and the question is when the Fed will feel comfortable enough to start cutting.
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